4 Critical Actions That Predict How Your House Fire Insurance Claim Will Go

Every house fire insurance claim is unique and must be adjusted based on how the policy language and laws apply at the time of the loss. While most homeowners insurance policies provide coverage for fire, not all policyholders are treated equally when settling their claims. Below are four actions you can take to position your fire insurance claim for a successful outcome.

It’s normal to feel overwhelmed and uncertain about how your fire damage insurance claim will turn out. But you don’t have to let your fears continue. At Miller Public Adjusters, we can assess your loss, read your policy, and give you an expert’s view of what to expect from your house fire claim — all for free.

Your homeowners insurance policy is a legally binding contract between you, the policyholder, and your insurer. Your homeowners insurance claim is a lengthy negotiation about how much your insurance policy should pay for your insured damages. Contract negotiations start when you report your fire loss.

In the aftermath of a house fire, what once was normal is now chaos, and everything demands your immediate attention. One of the things you don’t want falling through the cracks is documenting your loss. Making sure you have abundant documentation of your damages and recovery efforts is critical in negotiating a full and fair settlement for your homeowners insurance claim.

It’s easy to talk about settling a homeowners insurance claim like it’s a single event. But unless you suffered a total loss and your carrier is paying your policy limit immediately, your final settlement will be the sum of many smaller settlement payments made to you over time.

Let’s be clear from the start: Smoke and soot contain a chemical cocktail of toxins known to harm and kill people. During a house fire, smoke and soot can billow throughout your home, causing major damage to your property — and to you, if your damages are not properly remediated. When it comes to removing soot and smoke odor, employing cost-saving strategies can be a costly mistake.

Following a severe storm, fire, or other disaster, Wisconsin property owners are exposed to an influx of people from out of state selling services on behalf of roofers, building contractors, public adjusters, and insurance-related businesses. Concealed among the many skilled actors coming to assist our friends and neighbors are a few bad actors intent on taking advantage of people facing complicated property insurance claims.

After suffering a total loss commercial fire, Ilde and Dan Nielson were among those recognizing De Pere’s public safety officials on Feb. 25, 2020 for going beyond the call of duty. Two De Pere, Wis. firefighters were recognized on Tuesday for going “Beyond the Call” for their roles in two separate fires in 2019.

There are many reasons insurance companies justifiably deny fire insurance claims. But that doesn’t mean all fire claim denials are justified.

If you’ve suffered a house fire, we’re here to help. Here are some tips for how to maximize the amount of your house fire claim.